Get Debt Free Fast!
Affordable Debt Relief for everyone on any income!
We help people and small business owners review all their options and create their best plan to:
- Cut Debt up to 80%
- Consolidate and Reduce Payments
- Repair/Rebuild Credit Score
- FAST-TRACK to Financial Wellness!
- Local Vancouver Island based, NO upfront fees, best customer ratings
Tell us a little bit about your situation and we’ll see
how we can help.
How much do you owe?
How it works
We help you put together the best plan to help you eliminate the most amount of debt,
as fast as possible, and help you build excellent credit, so you can be financial free.
Free consultation
No risk, no pressure, we help you build your own unique debt freedom plan!
No upfront fees!
Yes we have a small fee, but your monthly payments will be far lower, including paying us. There is no cost to try us out, we only get paid when you save.
We work for you
(not the banks)
Fact: Most supposed debt ‘help’ companies work for the banks; they get paid more when they make you pay back more. We are the opposite, we work for you.
Customized affordable plans for everyone on any income!
Your debt relief plan will leave you with exceptionally lower payments. Feel what it is like to live financially free again.
We’ve helped thousands of people become debt free
Terri, 32 years old
“I loved working with them! I loved that I could meet them in person, and they made me feel really comfortable. Oh yea, their debt relief and financial wellness plan completely changed my life too :)”
| Total Debt | Debt Payment | Debt Reduced to | New Lower Payment |
| $27,000 | $600/month | $7,500 | $250 |
Debt free in 30 months
Claudia, 43 years old
“When I found out I could be debt free and have great credit in less than 2 years, I felt a big weight lifted off my shoulders. It felt just incredible. This amazing team helped me every step of the way.”
| Total Debt | Debt Payment | Debt Reduced to | New Lower Payment |
| $33,000 | $750/month | $8,000 | $340 |
Debt free in 24 months
Bev & Harv, 53 and 67 years old
“We’ve went from being massively in debt with no chance of retirement, to being totally debt free. Now we’re back on track to retirement. I can’t thank them enough.”
| Total Debt | Debt Payment | Debt Reduced to | New Lower Payment |
| $68,000 | $1,400/month | $17,100 | $475 |
Debt free in 36 months
What makes us better?
Surprisingly, most debt relief firms have a duty to your creditors (the banks). They get paid to collect off of you, and the more money they collect off of you, the more money they get paid.
We are the opposite. We work for you and only you! We advocate for your rights (not the banks). We only get paid when you save.
As certified Debtors Advocates* (with the CDA) we are committed to the ethical stance that people with debt have rights and deserve their own representation.
What makes us better?
Surprisingly, most debt relief firms have a duty to your creditors (the banks). They get paid to collect off of you, and the more money they collect off of you, the more money they get paid.
We are the opposite. We work for you and only you! We advocate for your rights (not the banks). We only get paid when you save.
As certified Debtors Advocates* (with the CDA) we are committed to the ethical stance that people with debt have rights and deserve their own representation.
You can count on us
We’ve transformed the lives of hundreds of thousands of people.
$2,147,483,647
Money we’ve helped to manage
“This figure represents the total amount of debt-related services requested through our websites.
Recent clients we have helped
Google Reviews
We have verified reviews from some of our clients.
Tarryn is personable, knowledgeable and kind throughout the whole (sensitive) journey.
I felt helpless and ashamed of my arrears...and now feel empowered and able to financially breathe!
Thank you 4 Pillars for the education, assistance and new chance!
Highly recommend
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FAQs
Are you local?
Yes, we have real offices on Vancouver Island, and are real local people. You can work with us either remote, by phone, video call, or in person.
Come visit us at our Victoria office or our Duncan office or make special appointment to meet us somewhere else on that is convenient for you.
Who can we help?
We care about people in debt and we want to help everyone if we can.
We can help most people who feel they have too much debt. We work hard to build a plan that is affordable for anyone. Of course there are cases where we cannot help due to particular circumstances and we will do our best to help you find a quality alternate option or service that is better suited for your specific situation.
How do we help?
We care about you. We take the time to get to know you and your unique situation. With the right background information, we can then help you find the best, fastest route forward. We advocate on your behalf for affordable payback, then we create a custom debt relief plan just for you. Expect your debt payments to be cut up to 80%, and a step-by-step credit rebuilding plan to rapidly propel you into the financial well being you deserve.
Why not go directly to a Bankrupcy Trustee?
Bankruptcy Trustees (aka LIT’s) in fact work for the benefit of the creditors (the banks), not you. They are not free, they are private companies, and they get paid a commission ranging from 20-50% for collecting off of you. So although they claim they are there for you they cannot actually advocate for you or represent your best interest due to the inherent conflict of interest that they have between you and the banks that they have a legal duty to.
How long does the process take?
FAST, we are extremely fast. we have helped people become debt free and have great credit in unbelievably short amounts of time in less than 1 year in some cases. The timeline is up to you, not us. The initial set up process takes about a week or two to get you to the point where you have built a plan to lower your payments. Then we work with you over the period of about a year or more to help you fully rebuild your credit and. The entire process can be as quick as you are able depending on your circumstances, or many people need a longer time line to pay off their lowered debt plan and so it is individual to every situation, but the most amount of time it can take is 6 years to be fully debt free and have rebuilt your credit. The timeline is up to you, not us.
How much will working with Debt Victoria cost?
We have NO up front fees and our goal is that we have no net cost to you.
You owe a lot of money right now before you work with us, and if we can help you make a successful plan to quickly reduce your debt and if you act on that plan then your payments drastically reduced and so we then work our very small fee into your new much lowered monthly budget so that your overall monthly cost (including our portion) is much lower and far more affordable than it was before you met us.
What makes us better?
No Upfront Fees Free Consultation We work for you (not your banks/creditors) We customize your plan just for you, for your especial situation. We work hard to make our program affordable for everyone on every income.
Enjoy life after debt
We can help you reduce your debt by up to 80% and get your life back.
Our Locations
Debt Victoria
#103 2311 Watkiss Way
Victoria BC
V9B 2S1
(250) 882-5556, Fax (888) 863-5634
https:/debtvictoria.com
Mon-Fri: 9am-5pm; Sat-Sun: Closed
Debt Nanaimo
501-65 Front St.
Nanaimo, BC
V9R 5H9
(250) 323-2656
https://debtnanaimo.ca
By appointment only